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0.33%
Fifth district savings bank
0.23%
Avg of Sector
-0.49%
S&P500
Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in New Orleans-Metairie Metropolitan Statistical Area. The company offers a range of deposit accounts, including checking accounts, money market accounts, and certificates of deposit. It also provides fixed-rate one- to four-family residential mortgage loans, as well as originates construction loans, home equity loans, home equity lines of credit, land loans, and share loans; and purchases commercial business loans. In addition, it offers electronic banking services, including mobile banking, on-line banking, telephone banking, bill pay, and electronic funds transfer via SmartPay. The company was founded in 1926 and is based in New Orleans, Louisiana.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Fifth district savings bank (FDSB) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FDSB's short-term business performance and financial health. For the latest updates on FDSB's earnings releases, visit this page regularly.
According to historical valuation range analysis, Fifth district savings bank (FDSB)'s current price-to-earnings (P/E) ratio is 18.88, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Fifth district savings bank (FDSB) reported an Operating Profit of 617K with an Operating Margin of 17% this period, representing a growth of 374.62% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Fifth district savings bank (FDSB) announced revenue of 3.63M, with a Year-Over-Year growth rate of 17.44%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
At the end of the period, Fifth district savings bank (FDSB) held Total Cash and Cash Equivalents of 33.85M, accounting for 0.06 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Fifth district savings bank (FDSB) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 17%%, and net margin of 14.9%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FDSB's profit trajectory and future growth potential.
According to the past four quarterly reports, Fifth district savings bank (FDSB)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.11. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Fifth district savings bank (FDSB)'s Free Cash Flow (FCF) for the period is -126K, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 80.91% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Fifth district savings bank (FDSB) has a Price-To-Earnings (PE) ratio of 18.88 and a Price/Earnings-To-Growth (PEG) ratio of 0.89. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.